Health and Fitness Lifestyle

Let’s Talk About Health Care

Health care in the Philippines

I didn’t report to work last Wednesday because I needed to see the doctor for my eyes. You see, I’ve had eye allergies for almost a month now and regular allergy meds are not doing the job.

HMO Philippines

This little boy came along

Well, if you know me, you would know that I rarely see doctors. I know it’s inadvisable, but I often resort to self-medication and/or natural remedies. However, as I age, I realise they’re no longer working. I also noticed that I’ve had more trips to the hospital this year than in the last 10 years of my life.

(Not including maternity checkups, of course. Those were not for a sickness.)

I kid you not, the only time I saw a doctor during my college years was before freshman enrollment, for the general check-up. That was it.

Excluding trips to the hospital after my dad had a stroke, of course.

This was not the case when I was little because I was was  always sick and in hospitals.

HMO Philippines

My future doctor perhaps?

But in my adolescent and young adult years, I barely had fevers. I also had no reason to go to hospitals because I was generally healthy. I thought I was going to be in the pink of health forever – obviously I was wrong.

Just within 3 weeks last summer, I had to be taken to the ER twice.  Then I recently had bad eye allergies. Bad as in I could barely open my eyes sometimes and I always felt like scratching my eyeballs off. It was torment.

HMO Philippines

The only good thing I got out of it was… double-lids?

Plus, like what I mentioned before, my dad is under heavy medication because his doctors discovered his high creatinine levels. So much medical expenses.

The thing is, since I’m fresh out of a freelancing lifestyle and have been only recently re-employed (barely 4 months), I don’t have HMO. Yet. 

Medical bills are tolerable, but now that we find ourselves in the hands of doctors more often that we would have wanted, I can’t deny that having an HMO would be surely convenient. Gee.

Health care in the Philippines

So few yet so… expensive

I’m currently shopping for a health care service that would best suit not only my needs but also my dad’s – since he’s the one who needs it the most now. But there are so many options and it can be overwhelming. It can also be frustrating because the options often lacked at least one important requirement of mine.

Here are my requirements, by the way:

1. Reasonably priced. I don’t need too many features that we, bring busy bees, may not be able to avail of anyway. I also don’t need access to hospitals like St. Luke’s because we are living in Davao City.

In other words, I want no frills.

2. Can cover babies to lolos. 6 months old to 65 would be okay.


It would be really useless if I get an HMO, which does not cost my dad prior conditions e.g. high creatinine and history of stroke.

4. Has accredited hospitals in Davao City.


I’m having trouble looking for possible options. There are a lot, I know, but most don’t fit all of our needs. So I’d like to ask you. What are your HMOs? What are your healthcare packages? What do you recommend?

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  • Reply Mommy Lace July 24, 2015 at 1:55 pm

    My family and I are currently with Medicard, I don’t have an employer so we have to pay it 100%. So far we love their service except for the rising fees (annually). Another alternative is PhilCare’s health card which are more affordable but doesn’t cover pre-existing conditions. If you visit my blog I wrote a review about them 🙂

    Hope this helps!

    Mommy Lace

  • Reply cheryl July 24, 2015 at 2:28 pm

    Hi mommy.we are using intellicare and its quite useful for us. Maybe you can check it out too.

  • Reply Mary Jane Dionela July 24, 2015 at 3:36 pm

    Hi Maan,

    I am also from Davao and I would recommend Maxicare 🙂

    Hope it helps.


  • Reply juvy ann petilla July 25, 2015 at 11:19 am

    I got my family hmo from my husbands’ employer. It is cheaper since it is on group rate.

  • Reply Ma.Me.Mi.Mommy July 26, 2015 at 9:01 pm

    I also resort to the internet and natural medications as much as I can. We use Avega/Intellicare from my husband’s comoany but the coverage they gave is quite limited though.

  • Reply Louisa July 28, 2015 at 10:59 am

    We have Maxicare for the family though it’s being paid for by my husband’s company. There are other’s that provide very affordable rates. I believe SM Advantage has something similar and PhilCare also has affordable packages.

  • Reply sarah tirona July 28, 2015 at 2:38 pm

    i have a medicard, thank god i havent found the need to use it yet but its nice to know its there

  • Reply Balot July 28, 2015 at 3:29 pm

    Hi Ma, hope you’ll find a healthcare package that suits your needs.

  • Reply Ruth July 29, 2015 at 6:38 pm

    Ok daw ang Intellicare sis Maan. Anyway, how are you? Hope your eyes get better.

  • Reply edel August 10, 2015 at 11:50 pm

    We don’t have any healthcare subscription so maintaining a healthy lifestyle is a must.

  • Reply JB January 16, 2018 at 11:04 pm

    ✔ Individual Plan
    ✔ Family Plan
    ✔ Small & Medium Enterprises Plan (3-9, 10-19, 20-99 enrollees)
    ✔ Corporate Plan (100+ enrollees)

    ☏ 09956430005 – globe


  • Reply Lovely Mendoza February 2, 2018 at 11:49 am

    Great Article! In today’s lifestyle it is very important to put first your health, so make sure that we need to get the best healthcare insurance and find the best plan for yourself, and to your loved ones. I saw this link were you can place online and can easily compare what the top healthcare brands.

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